HSBC Bank / sickening behavior
I have been a HSBC Credit Card holder since April 2006 until Feb 2007.
In the bill of July 2006 for Rs 27941.22, I disputed an amount of Rs 2195, upon which I called their Customer Cell and they asked me to pay the balance and they would check out the disputed amount. After a few days the amount was proved correct and I paid up the amount, of course.
The problem started thereon. The bank charged me Late Payment Fees and other Charges on the Full amount of Rs 27941.22 instead of only the disputed amount of Rs 2195. I again called the Cust Rep and asked them to reverse the charges which they refused. I sent them a letter but to no avail. Each time I called up, I was made to hold for sometimes 30 minutes at a stretch and in the end it was the same story. I wrote another letter but still they refused to listen saying that I was supposed to pay the full amount and then ask for the clarification on the disputed amount. I repeatedly kept on telling them that their Cust Rep had not mentioned this and he just told me to pay the balance minus the disputed amount. They insisted that this was not true and I even gave them the name of the person I had spoken to but still they refused to reverse the charges.
After going through this disgusting experience I flatly refused to pay the unjust Late Payment Charges. I sent them the amount for the subsequent purchases I had made alongwith a final letter informing them that I no longer wanted to continue doing business with them and no longer be subjected to further humiliation of this sort. This was on 13th Feb 2007. The last purchase by me thru this card was on 11 Dec 2007. Upto that purchase I cleared all the dues.
Since then I am getting bills every month with amounts that have Late Payment charges upon Late Payment charges. And I am getting Abusive and Threatening calls from some people who state they are from the Bank. Two persons came to my building and buzzed on the intercom stating they were from the bank. I told them that if they have the Bank ID Card, one, only one, of them could come up and meet me. Upon this they made some excuse and went away. After that the calls have become more frequent and abusive.
I cannot tolerate this kind of sickening behavior from any business house. I hold other Credit Cards and I have had no issues with them. I am not some offender which the bank feels can be treated so disgustingly. I have disregarded their periodic letters but this kind of obnoxious behavior, I will not tolerate. I want to know what are the option open for me to end this disgusting episode.
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